Tuesday, April 24, 2012

Emotional Money

I need to study Dave Ramsey. Can anyone tell me, does he cover money and the emotional single girl?

I grew up with a family that never had extra cash. I learned lots of good budgeting and frugal living lessons from my mom. I might have been the only person doing the envelope system with my 50 cent allowance at age 5. I made it most of the way through my 20s with a savings account and no debt. I was on top of this stuff! But then I encountered real grief for the first time. No one mentioned emotional health and it's effect on your finances.

My dad died every suddenly in 2008. I went through all the emotional stages. They took longer than I thought. And I wasn't prepared that the resulting depression meant I wouldn't care. I am not the type to not care. I didn't budget. I didn't track. I didn't care.

For the rest of the year and the following two years, I didn't track anything. I traveled, I shopped, I ate out. I had never carried a credit card balance in my life, but somewhere in there, I let the balance roll over. I budgeted sometimes, but only to make sure I could make the next minimum payment. (I never missed any of those thankfully.)

I finally started to care again in 2010. I was scared by what I saw in my accounts. I moved to find cheaper rent at the beginning of 2011. I cracked down and restarted my mint.com account several months later and studied where my money was going. I found a LOT of money in my budget that is now going towards erasing those credit cards.

You might ask what being single has to do with anything.

Monday, April 2, 2012

For He is kind

Sometimes we forgot the simple things. Sometimes we make things difficult and detailed. Sometimes we need to get back to basics. This is why one of my favorite verses is Micah 6:8.
He has shown you, O man, what is good; And what does the Lord require of you But to do justly, To love mercy, And to walk humbly with your God?

We struggle to find the answers in life. We struggle to know how to interact with this world that we are in and not of. Along these lines, I offer you this passage today. Read, ponder, think and chew.

Luke 6

27 But I say to you who hear: Love your enemies, do good to those who hate you, 28 bless those who curse you, and pray for those who spitefully use you. 29 To him who strikes you on the one cheek, offer the other also. And from him who takes away your cloak, do not withhold your tunic either. 30 Give to everyone who asks of you. And from him who takes away your goods do not ask them back. 31 And just as you want men to do to you, you also do to them likewise.32 But if you love those who love you, what credit is that to you? For even sinners love those who love them. 33 And if you do good to those who do good to you, what credit is that to you? For even sinners do the same. 34 And if you lend to those from whom you hope to receive back, what credit is that to you? For even sinners lend to sinners to receive as much back. 35 But love your enemies, do good, and lend, hoping for nothing in return; and your reward will be great, and you will be sons of the Most High. For He is kind to the unthankful and evil. 36 Therefore be merciful, just as your Father also is merciful.37 Judge not, and you shall not be judged. Condemn not, and you shall not be condemned. Forgive, and you will be forgiven. 38 Give, and it will be given to you: good measure, pressed down, shaken together, and running over will be put into your bosom. For with the same measure that you use, it will be measured back to you.